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We understand that banking isn’t always all about money. At Arkansas County Bank banking is All About You! Providing you with the most competitive financial products & services available. Giving you choices that fit your needs. Offering you the best possible interest & loan rates. That’s what we mean when we say…It’s All About You!

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Identity Theft Protection

Arkansas County Bank can help you protect yourself from Identity Theft.

Your identity is one of the most valuable things you own. It’s important to keep your identity from being stolen by someone who can potentially harm your good name and financial well-being. Identity theft occurs when someone uses your name, address, Social Security Number, credit card or financial account numbers, passwords, and other personal information without your knowledge to commit fraud or other crimes. While the words may sound like a foreign language -- Phishing, Pharming, Vishing, Spyware, Dumpster Diving — they are actually techniques used by thieves to put your identity and finances at risk. Their attacks grow more frequent and sophisticated every year. Identity theft is the fastest growing crime in the United States. Arkansas County Bank recommends that you review each of your account statements and immediately report any suspicious activity to us. We invite you to review the following important information about ways to prevent Identity Theft. If you feel that you have been a victim of Identity Theft read this information and contact a Customer Service Representative immediately at:

870-946-3551     DeWitt Office
870-673-4567     Stuttgart Office
870-289-4071     Lockesburg Office


Putting a fraud alert on your credit file is one of the first things you should do if you suspect someone is trying to open credit accounts in your name. It might be something you want to do, even if you don't think identity theft is an immediate threat.

There are two types of fraud alerts: an initial alert, and an extended alert

  • An initial fraud alert stays on your credit report for at least 90 days. You may ask that an initial fraud alert be placed on your credit report if you suspect you have been, or are about to be, a victim of identity theft. An initial alert is appropriate if your wallet has been stolen or if you've been taken in by a "phishing" scam. With an initial fraud alert, potential creditors must use what the law refers to as “reasonable policies and procedures” to verify your identity before issuing credit in your name. However, the steps potential creditors take to verify your identity may not always alert them that the applicant is not you. When you place an initial fraud alert on your credit report, you're entitled to order one free credit report from each of the three nationwide consumer reporting companies, and, if you ask, only the last four digits of your Social Security number will appear on your credit reports.
  • An extended fraud alert stays on your credit report for seven years. You can have an extended alert placed on your credit report if you've been a victim of identity theft and you provide the consumer reporting company with an Identity Theft Report. With an extended fraud alert, potential creditors must actually contact you, or meet with you in person, before they issue you credit. When you place an extended alert on your credit report, you're entitled to two free credit reports within twelve months from each of the three nationwide consumer reporting companies. In addition, the consumer reporting companies will remove your name from marketing lists for pre-screened credit offers for five years unless you ask them to put your name back on the list before then.

To place either of these alerts on your credit report, or to have them removed, you will be required to provide appropriate proof of your identity that may include: your Social Security number, name, address and other personal information requested by the consumer reporting company.

Fraud Alert Instructions: To set up a fraud alert, contact each of the fraud department of the credit bureaus and ask them to flag your credit file for fraud.

Credit Bureau Fraud Departments

Consumer Fraud Division
Phone: 800-525-6285 or: 404-885-8000
Fax: 770-375-2821
P.O. Box 740241
Atlanta, GA 30374-0241
Experian's National Consumer Assistance
Phone: 888-397-3742
P.O. Box 2104
Allen, TX 75013
Fraud Victim Assistance Department
Phone: 800-680-7289
Fax: 714-447-6034
P.O. Box 6790
Fullerton, CA 92634-6790

Credit Bureau Online Filing Sites for Fraud Alert:

Other sites or contacts to file Fraud Alerts:

Government Agencies

Federal Trade Commission
Phone: 877-438-4338

U.S. Postal Inspection Service

Social Security Administration
Phone: 800-772-1213


To report the fraudulent use of your checks:

Check Rite
Phone: 800-766-2748

Chex Systems
Phone: 800-328-5121

Phone: 800 552-1900

Phone: 800-437-5120

Phone: 800-526-5380

Phone: 800-262-7771

Phone: 800 366-2425

Customers are entitled to one free credit per year from each of the three major reporting
agencies. To get the free credit report:

To Request your Credit Report Online:
Visit: www.annualcreditreport.com (if you are asked for a credit card, you are on the wrong site!)

To Request your Credit Report by Phone:

  • Call 1-877-322-8228
  • You will go through a simple verification process over the phone.

Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.

To Request your Credit Report by Mail:

  1. Download the request form from annualcreditreport.com
  2. Print and complete the form
  3. Mail the completed form to:
    Annual Credit Report Request Service
    P.O. Box 105281
    Atlanta, GA 30348-5281

Your reports will be mailed to you within 15 days. Please, allow 2-3 weeks for delivery.

The Federal Trade Commission provides information and education regarding the steps consumers can take to help protect and report identity theft. Visit the FTC web site at http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html for valuable tips and information. Report any identity theft incidents to the FTC. You can file a complaint with the FTC using the online complaint form; or call the FTC's Identity Theft Hotline, toll-free: 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261; or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580. Be sure to call the Hotline to update your complaint if you have any additional information or problems.